LendersBenchmark Analyzer For Small Business Lending

Maximize your lending performance

The only consortium of its kind to provide timely and statistically significant insights into Small Business Lending

The Small Business segment is both more valuable and more competitive than ever. Interest in entrepreneurship has exploded post pandemic creating millions of new businesses in need of financial services. Traditional lenders and Fintech’s alike have noticed the opportunity and competition is high. Having a keen understanding of your Small Business Lending originations, risk profile and market opportunities is critical to compete effectively.   

LendersBenchmark Analyzer is a competitive intelligence solution that enables lenders to assess lending performance in near-real-time against an anonymized market consortium of their peers, delivering a scalable and dynamic framework to proactively manage margins and optimize operational performance.

Solution Highlights

  • Timely, Granular Data
  • Actionable Metrics
  • Flexible Delivery Model
Timely, Granular Data

Originations insights delivered on a weekly basis.

Actionable Metrics

Over 25 key lending performance metrics including market demand, market share, operational efficiency, interest rates, and risk profile/business mix.

Flexible Delivery Model

Pre-populated executive workbook, Web Analyzer and CurinosConnect Microsoft Excel Add-In with direct link to the database in real time.

Lenders provide:

  • Transaction-level data including:
    • Interest rates
    • Application volume
    • Booked volume
    • Risk metrics
  • Application volume
  • Booked volume
  • Interest rates
  • Personal credit scores

Curinos provides:

  • Competitive price positioning
  • Production/Sales productivity
  • Product management insights
  • Relative risk metrics
  • Operational efficiency
  • Marketing effectiveness
  • White space discovery
Access to the largest market consortium for small business, mortgage and consumer lending with $2.5T of loan volume tracked representing 7MM total transactions, lenders can:

Monitor Lending Performance

Weekly insight into key performance indicators across vital loan attributes.

Optimize
Revenue

Measure volume response to changes in margin.

Increase Lending Volume

Understand market mix and volume opportunities.

The LendersBenchmark Analyzer Advantage

LendersBenchmark Analyzer for Small Business Lending is the only consortium product in the market today to focus on the small business segment and offer weekly data updates via a user-friendly, web-based interface with the most granular data available. Connect with us today to learn how you can become a participant!

Product Manager: Identify opportunities in the market by understanding product mix, lender versus peers

Key Insight Gained: Lender has been missing out on the 121-180-month term market with their volume decreasing 21% year over year, yet the market has increased 14%. 

The lender has outperformed in the 181–240-month space. 

  • Is the lender successfully diversifying products according to their strategic plan, causing this variance?
  • Is there more opportunity in other terms they should be taking advantage of?

The Product Manager can drill down further to determine the drivers of the difference in mix and where opportunities exist (loan amount, collateral, state and so on). 

Pricing Manager: Is my pricing aligned with that of my peers?
Where do I have opportunity for margin improvement and market share gain?

Key Insight Gained: The lender’s rate is closely aligned with peers in all product specs except RE Secured where rates are ~1% below that of peers. 

Is there an opportunity to increase rates to match the market? After initial review, the lender decides to make a move and increase price. Upon post-change review, the lender sees that the rate gap to competition has closed, and the market share (black line) has increased.

30+ Years
Industry-Specific
Knowledge And Data
42
Of The Top 50 Lenders In
The US Participate

What Our Clients Are Saying

I love all of it. Sometimes we go in blind when we make recommendations. Now those recommendations would be much more powerful.

Large West Coast Credit Union

Given the last few months [market conditions], you guys are more important than you have ever been. I didn’t have to pay close attention to margins before… now I do.

Existing Benchmarking IMB Client

VP Lending

My team leverages the various market analytics platforms that Curinos offers when calibrating our pricing to ensure we’re maintaining a competitive edge in our key markets. When it comes to competitive benchmarking and overall market analytics in Real Estate lending, the solutions offered by Curinos are second to none!

Super Regional Bank

Our Insights

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September 21, 2023

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS

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September 20, 2023

Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau

As expected, the FOMC in September held the Federal Funds rate flat in a target range of 5.25% to 5.50%. The process of balance sheet reduction (quantitative tightening) will continue at the previously communicated rate of $95 billion per month.
READ TIME: 6 MINS

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September 7, 2023

Mortgage Hot Topics by Curinos

According to Curinos, August 2023 funded mortgage volume decreased 26% YoY and increased 8% MoM.
READ TIME: 1 MIN

Want to go further?

Contact us to learn more about how Curinos can help you navigate today and prepare for tomorrow.